Account opening method and device

The invention discloses an account opening method which can be applied to the financial field or other fields, and the method comprises the steps: receiving an account opening request which is used for requesting to open an account for a first user, then obtaining the user information of the first user, and inputting the user information of the first user into a credit evaluation model, and obtaining a credit value corresponding to the user information. And after the credit value corresponding to the user information is obtained, if the credit value corresponding to the user information is greater than or equal to a preset credit value, the credit of the first user is good, and at the moment, an account can be opened for the first user. By means of the scheme, after the account opening request is received, the credit of the first user can be determined through the credit evaluation model, the account is opened for the first user under the condition that the credit of the first user is good, the time occupied